Comprehensive Coverage

Our approach to coverage means offering your pet nose-to-tail accident and illness protection for the unexpected plus the option of adding Wellness Rewards for routine veterinary care.

What does Embrace coverage include?

We provide one simple yet comprehensive plan to cover your dog or cat against unexpected accidents and illnesses. You can choose your annual maximum, deductible, and reimbursement percentage. No matter how you personalize your policy, your pet will enjoy coverage for the following:

To help with the routine care of your pet we offer the following optional products:

  • Wellness Rewards for items like annual check-ups, spay/neuter procedures, vaccines, heartworm medications, teeth cleaning, and more

Wellness Rewards is not insurance, but more like a flexible health savings account that you can add to any pet insurance policy.

Is my pet eligible to enroll?

Pets must be ages 14 and younger to sign up with a new accident & illness policy.

If your pet is older or has been diagnosed with or shown symptoms of diabetes, Cushing's disease, Addison's disease, or FeLV/FIV before enrolling, we offer an accident-only plan along with the optional Wellness Rewards.

Will my pet be covered for life?

Yes. Once your pet is signed up with Embrace, coverage is locked in for life. If your pet is eligible for accident and illness coverage when enrolling today then that full coverage will continue as long as your pet remains insured with us. We will not drop your pet's coverage at a certain age, nor will we change it. Any policy changes are totally up to you.

What is not covered?

You can read up on our exclusions and familiarize yourself with how we handle pre-existing conditions.

How much do Embrace pet insurance policies reimburse?

Embrace policies can be personalized to fit any budget without sacrificing coverage. For example, you might want 90% reimbursement with a $500 deductible or 80% reimbursement with a $200 deductible. No matter what you choose, every pet enrolled has the same comprehensive coverage, including chronic conditions, genetic conditions, alternative therapies and more.

Each pet has an annual maximum for reimbursement that can be set at a variety of levels (e.g. $10,000). Embrace has removed lifetime coverage limits (while some policy documents may still mention lifetime coverage limits, they will not be enforced).

When will my coverage start?

The waiting periods for Embrace's accident and illness coverage are:

  • Illnesses: 14 days
  • Accidents: 48 hours or 14 days, depending on state*
  • Orthopedic Conditions (dogs only): 6 months**

* = To find out which accident waiting period your state falls under, visit our waiting periods page.

** = You can reduce the waiting period for orthopedic conditions to 14 days by following the Orthopedic Exam and Waiver Process.

For coverage to start, each pet you are insuring must have visited a vet within the past 12 months. If you have a new pet or your pet hasn't seen a vet in the last 12 months you can take your pet in during the waiting period without any loss of coverage.

Once insured we encourage, but do not require, you to visit your veterinarian. Our Wellness Rewards can help you budget for vet visits and other routine care items.

Insurance, coverage and discounts are subsequent to terms, conditions & agreements which may vary by state. You'll get more information when you quote. All coverages subject to policy terms and conditions.